topic Re: CSR Approval Over 5/24 in Credit Card Approvals

CSR Approval Over 5/24

Anonymous — Sun, 07 Oct 2018 17:57:02 GMT

Pre-Screened offers really do work!

Logged into my Chase app on my phone last night and I noticed that there was a prompt for pre-screened offers. I ignored it because I thought it might an auto loan or something and went to bed. But, I woke up in the morning and I noticed the green check mark when I logged into the website so I thought it was worth looking into.

I had three offers, first one was for Chase Slate, $0 balance transfer offer. The second offer was for a Sapphire Preferred for an exclusive offer of 60,000 points. Last offer was for the CSR, 50,000 points. I clicked into the CSR, scrolled down to the APR and it was a solid APR. I read around the terms and conditions and I noticed language that said something like 'you received this offer because of your ongoing relationship with Chase.' Sounded pretty legit. I took a deep breath and clicked submit and...instantly approved for $12,000!!!

Some data points: Both TU and Experian were pulled. 9/24, 20% UTL. AAOA 3 years 9 months. Some baddies: Late payment in January 2018, paid CO in December 2017. 3 inquiries on TU, 10 on Experian. Newest account reporting on my CR on 08/2018. EXP: 650, TU: 660. Income: 121k

Re: CSR Approval Over 5/24

Streetervillelady — Sun, 07 Oct 2018 18:09:07 GMT

@Anonymous wrote:
Pre-Screened offers really do work!

Logged into my Chase app on my phone last night and I noticed that there was a prompt for pre-screened offers. I ignored it because I thought it might an auto loan or something and went to bed. But, I woke up in the morning and I noticed the green check mark when I logged into the website so I thought it was worth looking into.

I had three offers, first one was for Chase Slate, $0 balance transfer offer. The second offer was for a Sapphire Preferred for an exclusive offer of 60,000 points. Last offer was for the CSR, 50,000 points. I clicked into the CSR, scrolled down to the APR and it was a solid APR. I read around the terms and conditions and I noticed language that said something like 'you received this offer because of your ongoing relationship with Chase.' Sounded pretty legit. I took a deep breath and clicked submit and...instantly approved for $12,000!!!

Some data points: Both TU and Experian were pulled. 9/24, 20% UTL. AAOA 3 years 9 months. Some baddies: Late payment in January 2018, paid CO in December 2017. 3 inquiries on TU, 10 on Experian. Newest account reporting on my CR on 08/2018. EXP: 650, TU: 660. Income: 121k

Thank you for the data points. Congratulations!

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 13:24:48 GMT

Thanks for the informative post, 10. And Congrats! on a sweet approval.

Re: CSR Approval Over 5/24

Anonymous — Sun, 07 Oct 2018 18:50:32 GMT

Thank you!

Re: CSR Approval Over 5/24

Cred4All — Sun, 07 Oct 2018 18:56:30 GMT

Congrats on the approval... I would've jumped on that too!!

Re: CSR Approval Over 5/24

Anonymous — Sun, 07 Oct 2018 19:53:59 GMT

Congrats on your CSR Approval!!!!

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 02:41:49 GMT

Very nice approval with a recent late payment. Congrats. Thanks for the data points!

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 03:27:06 GMT

Just curious how high over 5/24 are you? Do you have balances on your Chase cards?

Re: CSR Approval Over 5/24

19eighty5 — Mon, 08 Oct 2018 03:59:16 GMT

Congratulations!

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 04:11:42 GMT

I have had the green check mark's up for over a month now....I've been doing alot of "thinking about it". 🤔

Congrats on the new card!

Re: CSR Approval Over 5/24

atst2000 — Mon, 08 Oct 2018 06:38:28 GMT

Just a quick question. How long does it usually take to get offers from case with the check mark?

I have the Amazon with a low $500 limit and a Ritz Carlton Carr worth $20,000. Both got April this year.

I even joined with them with a new checking account.

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 06:56:53 GMT

Sweet! Congrats on your CSR approval!

Re: CSR Approval Over 5/24

SweetCreditObsession — Mon, 08 Oct 2018 13:56:24 GMT

Congratulations and thanks for the datapoints!

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 14:05:14 GMT

@atst2000, I dont think the amount of time you've been with them matters. I believe its if your account/s with them are pretty solid. Most likely when they do the soft pull to your credit and see your profile is strong, it probably triggers them to look at your relationship with them as a whole.

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 14:27:51 GMT

Congratulations on the approval!!

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 14:42:50 GMT

@Anonymous wrote:
@atst2000, I dont think the amount of time you've been with them matters. I believe its if your account/s with them are pretty solid. Most likely when they do the soft pull to your credit and see your profile is strong, it probably triggers them to look at your relationship with them as a whole.

What does "pretty solid" mean in this case? Direct deposit? Large balances? Multiple products?

It seems Chase is beginning to soften a bit on approvals.. I've recently seen approvals over 5/24 but mostly for existing customers.

Congrats OP!!!

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 15:00:35 GMT

I am LOL/24 and have been considering and chickening out on pulling the trigger on a green check mark CSP offer in my Chase acct. I have the FU and use it regularly like a debit card transfering money from my Chase checking to pay it at least weekly if not several times a week. I have Chase checking with about $800 worth of direct deposits going there monthly, but they are not my main bank. I also recently took advantage of a mail offer bonus for opening a savings acct with them.

My concern isnt getting denied; it looks like a solid offer. My concern is getting approved and then having Chase shut all my accounts. Which I have read threads about here on MyFICO and elsewhere. I really like Chase, but the fear factor is what keeps USB my primary bank even though USB has no branches in my area.

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 15:16:57 GMT

Congrats on the approval! I've been tempted for several months with some "selected for me" type offers from Chase. Although I'm 12/24, I've considered it. In my case though I'm more averse to the HPs and new tradeline and their effect on my scores since I'm hoping to buy a house in the Spring and I want/need my scores as high as possible. Were it not for that, I'd have already pulled the trigger if for no other reason that to see what happens.

Once again, congratulations and thank you for sharing your success and data points, it is definitely a topic of much interest around here!

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 16:51:12 GMT

@lpavelchak0204 don’t worry about a “Chase shutdown.” You’ve been targeted for offers because soft pulls on your credit report have shown Chase’s algorithms that you’re an acceptable risk, given the information shown at the time of the soft pull. Plus, Chase credit card and Chase checking/savings account are actually two separate businesses. If you call the number on the back of your credit card, those individuals can only look at your credit card accounts and none of your checking accounts. So getting a new credit card can’t be the sole factor of getting your accounts closed.

You should worry about getting your accounts shutdown if you engage in high risk behaviors such as MS or use your accounts to facilitate illicit activities.

I don’t think approvals are guaranteed with targeted offers, even with my experience, but it’s possible to get around 5/24. Good luck!

Re: CSR Approval Over 5/24

Anonymous — Mon, 08 Oct 2018 17:18:35 GMT

@ttulaw Definitely garden for a mortgage! The offers page will always be there and your pockets will thank you forever too.

And thank you!!!